I’m an SC / PR born in 1979 or earlier. Can I still join CareShield Life even though I am severely disabled?

If you are born in 1979 or earlier and severely disabled (i.e. unable to perform three (3) or more ADLs), you will not be eligible to join CareShield Life.

[If the Patient is insured under ElderShield and has not made claims]

You may wish to claim from ElderShield instead. Depending on the plan you have, ElderShield provides monthly cash payouts of $300 per month for up to 60 months (under ESH300 plan), or $400 per month for up to 72 months (under ESH400 plan).

[If the Patient has completed receiving ElderShield payouts]

You may wish to tap on means-tested Government subsidies and various Government assistance schemes (such as the ElderFund).

[If Patient has not recovered or they have claimed their balance ElderShield payouts based on above scenario]

If you have previously claimed from ElderShield (or IDAPE) and are still severely disabled (i.e. unable to perform three (3) or more ADLs), you will not be eligible to join CareShield Life.

You may wish to tap on means-tested Government subsidies and other Government assistance schemes (such as Home Caregiving Grant, ElderFund) to complement your personal savings and family support, in meeting your long-term care needs. If you are still unable to pay for your care even after Government subsidies and other means of support, there are Government-funded safety nets such as MediFund and ComCare.

You may wish to approach the Medical Social Workers at the health institution you are seeking medical treatment from, or approach your nearest Social Service Office (SSO). For more information on MediFund or ComCare, please visit www.msf.gov.sg/comcare or https://www.moh.gov.sg/cost-financing/healthcare-schemes-subsidies/medifund.